Job DescriptionJob DescriptionFirst Bank and Trust is seeking a Loan Processor in Kingsport, TN to join our team. Loan Processors support Loan Officers by facilitating new loan and renewal loan closings to ensure all loans are processed correctly according to the bank’s policies and procedures. This position requires a variety of banking experience and abilities to implement, manage, and monitor all necessary procedures and other tasks assigned.

For more information go to www.firstbank.com/about/join-our-team

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Prepare early and final loan documents
• Order credit reports, appraisals, title work, environmental reports, etc.
• Compose correspondence, organize and maintains files, and perform additional operational and administrative support duties as requested
• File and/or scan applicable loan documents
• Interview customers to obtain credit and financial information
• Receive consumer loan applications
• Log and review declined and withdrawn loan files
• Monitor maturing loans report to ensure timely renewals
• Monitor collection report to reduce past due loan payments
• Provide ongoing communication to client to ensure the loan process runs smoothly
• Process paid off loans including but not limited to preparing and recording Deed of Trust Releases, Certificates of Satisfaction, and title releases
• Process incoming and outgoing for the loan department
• Provide operations functions for the note department
• Responsible for loan exception tracking and clearing exceptions to include working with the parties involved in the closing such as attorneys, title companies, insurance agencies, etc.
• Involve the loan officer to clear exceptions were needed
• Verify insurance policies and track renewals
• Work NSF/Overdraft report
• Assist customer with loan and deposit questions
• Assist tellers and CSR with general banking questions/needs
• Key wires for both loan and deposit customers and send notifications to Wire Department
• Respond to large dollar email when deposited checks get returned
• Answer the phone and assist customers with balance inquiries, transfers, payments, etc.
• Greet customers and walk-ins
• Be knowledgeable about and cross sell all First Bank and Trust products
• Cross sells bank products and services
• Other duties as assigned

MINIMUM EDUCATION AND EXPERIENCE:

• High school diploma or equivalent - required.
• Associate's degree - Accounting, Business, Finance, Communications and/or Marketing - preferred.
• Three or more years of customer service experience - preferred.

MINIMUM SKILLS AND ABILITIES:

• Strong listening, written and verbal communication skills.
• Leadership and interpersonal skills
• Ability to handle confidential information.
• Working knowledge of Word and Excel
• Excellent networking skills
• Detail oriented and organized.
• Professional

BENEFITS:

• Medical, Dental and Vision Insurance
• 401K/ESOP Plan
• Life Insurance
• Flexible Spending Accounts
• Long Term Disability Insurance
• Group Policies (Accident, Hospital & Critical Illness)
• AFLAC Individual Policies (Short Term Disability & Cancer)
• Leave - Vacation, Sick, Marriage and Bereavement

COMPLIANCE: The employee has the responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies and those regulations and policies inherent to position requirements.

PHYSICAL DEMANDS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this Job, the employee is regularly required to talk and hear. The employee is frequently required to stand, walk and sit. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT: Typical office environment.

CONFIDENTIALITY: Confidential information concerning a customer, system, design, program or product unique to First Bank & Trust Company shall not be used for personal gain. Such information shall not be revealed to any person outside the Bank without the consent of the individual or organization involved or as otherwise permitted by law.

The statements on this job description are intended to describe the general nature and level of work being performed. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required. Employees may perform other duties as assigned. In addition, all First Bank and Trust employees are expected to:

• Promote teamwork and cooperative effort.
• Help train and give guidance to other employees.
• Maintain a clean, safe, and unobstructed work area.
• Provide customers with the highest quality of products and service.
• Understand and apply appropriate quality improvement processes.
• Comply with corporate policies and procedures.

First Bank and Trust is an Equal Opportunity Employer EOE/AA/M/F/Disabled/Veteran

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